If you have a farm you should think about Crop Insurance!

Crop insurance/Agricultural Insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities.

Crop-hail insurance is generally available from private insurers because hail is a narrow peril that occurs in a limited place and its accumulated losses tend not to overwhelm the capital reserves of private insurers.

Multi-peril crop insurance (MPCI) covers the broad perils of drought, flood, insects, disease, etc., which may affect many insured at the same time and present the insurer with excessive losses. MPCI coverage is usually offered by a government insurer and premiums are usually partially subsidized by the government.

Crop-revenue insurance is a combination of crop-yield insurance and price insurance. Crop-revenue insurance covers the decline in price that occurs during the crop’s growing season. It does not cover declines that may occur from one growing season to another. That would be called “price support,” and would raise a series of complex agricultural-policy and international-trade issues.

 

Chuck Falco

Broker Owner / Insurance Agent

675 North Lewis Road
Limerick, PA 19468

Phone:  610-495-8840

Fax:      610-495-8836

 

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